• Dr. Narendra Ryali
• Santhoshi Dasari
• Dhwani Jakhotia
• Aishwarya Kota
• Shaik Ahammed Shareff

This paper looks at the integration of Blockchain and IoT as a means of revolutionizing financial services, thus developing a framework in which IoT devices might directly interact with blockchain networks to execute secure and independent financial transactions. This would improve real-time asset management and transaction efficiency, and also reduce dependency on middlemen. The use of smart contracts and decentralized consent mechanisms allows scalability, interoperability, and privacy of data. Some of the use cases include automated cross-border payments, portfolio rebalancing in real-time, and IoT-driven financial services, all of which emphasize strategic methods of overcoming technical and regulatory challenges to position Blockchain and IoT as future financial ecosystem enablers.

Integration, Blockchain, IoT, Financial Services, Framework, Middlemen, Smart Contracts, Scalability, Interoperability, Portfolio Rebalancing, Cross-Border payments.

"Decentralized Financial Automation: Blockchain and IoT for Real-Time Asset Management", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 10, page no.g327-g334, October-2024, Available :http://www.jetir.org/papers/JETIR2410641.pdf

"Decentralized Financial Automation: Blockchain and IoT for Real-Time Asset Management", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 10, page no. ppg327-g334, October-2024, Available at : http://www.jetir.org/papers/JETIR2410641.pdf